In addition to USD’s Loan Repayment Assistance Program (LRAP), there are a variety of other loan repayment and forgiveness programs available to students who have borrowed under the Federal Student Aid loan programs. Several of these will allow you to make loan payments that are calculated based on your actual income or skip a payment altogether if you are experiencing extreme financial hardship. There is no reason for your federal student loans to go into default if you know the options available to you.